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1 Underwriting Methods and Chronic Conditions All you need to know about cover for pre-existing and chronic conditions

2 Contents Page number Introduction 3 A choice of ways to apply 4 How we deal with chronic conditions 9 Your rights as a patient 14 How we use your personal details 15 Please note This guide explains how we deal with pre-existing conditions. This is because some policies only provide cover for treatment of specific medical conditions. The Membership Handbook of your chosen plan gives full details of the cover provided. It is important that you read your Membership Statement together with your other policy documents. A copy of the Membership Handbook with full policy details is available on request if you wish to see it before applying for cover. Saga Health Insurance is underwritten by AXA PPP healthcare limited. Therefore, any reference to we, us, our in this document means AXA PPP healthcare limited. 2

3 Introduction Insurance policies provide cover against an unexpected event happening after the start of the policy. With health insurance, this means cover for the cost of treatment for a disease, illness or injury, that is likely to respond quickly to treatment (commonly known as acute conditions), arising after your policy starts. Like all other health insurance providers, there are certain things your policy is unable to cover. For example, emergency treatment which the NHS is still best able to provide and treatment for chronic long-term illness. Other things that it will not cover include conditions arising from HIV infection, deliberately self-inflicted injuries, professional sports injuries, routine pregnancy, cosmetic treatment, vaccinations or preventive screening and routine visits to your GP or dentist. Your policy will not normally cover treatment for medical conditions that you already have when your policy starts, or have had in the recent past these are called pre-existing conditions. Nor does the policy cover conditions which are specified in the table below (full details are included in your Membership Handbook). Specific circumstances apply if you: n have been diagnosed with diabetes, n are currently undergoing treatment for raised blood pressure (hypertension), n are under investigation, having treatment or undergoing monitoring as a result of a Prostate Specific Antigen (PSA) test. If you: Have been diagnosed with diabetes Are currently undergoing treatment for raised blood pressure (hypertension) Are under investigation, having treatment or undergoing monitoring as a result of Prostate Specific Antigen (PSA) test We will not pay for treatment of: n Diabetes n Ischaemic heart disease n Cataract n Diabetic retinopathy n Diabetic renal disease n Arterial disease n Stroke n Raised blood pressure (hypertension) n Ischaemic heart disease n Stroke n Hypertensive renal failure n Any disorder of the prostate On some policies, you may be able to choose to include cover for eligible treatment of hypertension. If you do choose such cover, you will be able to claim for eligible treatment of hypertension and its specified conditions noted above, irrespective of it being a pre-existing medical condition. However, treatment of all other medical conditions will be subject to the rules applicable to the underwriting method you choose. 3

4 A choice of ways to apply With Saga Health Insurance you can choose one of three ways of applying. Each of these requires a different level of medical information and is explained in more detail in this leaflet. If you choose Moratorium or Full Medical Underwriting, the premium for the plan you select will be the same. This is because pre-existing conditions are automatically excluded from your policy (although in some circumstances we may agree to include them if you join by declaring your medical history). Like any new insurer, we will not cover you for a condition for which you are currently receiving or have recently received treatment and for which you may currently be covered with another insurer. In some circumstances, you may be able to retain medical underwriting applied by a previous insurer. Continuous personal medical exclusions (CPME), as it is known, is also outlined below. Moratorium - When you apply using the moratorium method, we ask you to give only basic information about yourself and any members of your family who you wish to insure. We will not ask you to give details of your medical history, but we rely on you to understand that we will not cover treatment of pre-existing medical conditions. The only exception is when you remain free of all treatment, medication or advice for the medical condition, and any related medical conditions, for a continuous period of two years after you join. For more details see page 5. Full Medical Underwriting - A full medical history assessment may involve a little more of your time when completing your application form, but it does mean that when we send your membership pack we will confirm in writing which medical conditions would be excluded from cover. We may later cover a pre-existing medical condition if you ask us to review the exclusion and we agree to remove it. For more details see page 7. Continued personal medical exclusions (CPME) - If you have the option to retain any medical underwriting applied by your previous insurer when you join, please refer to your Membership Statement for confirmation of your cover for pre-existing medical conditions. Pages 5-8 of this leaflet do not apply if you join on this basis. Please call one of our specialist advisers on for more details. 4

5 Moratorium With this option, you do not need to fill in a medical history declaration. Instead, we automatically exclude treatment for any medical condition or specified condition as shown on page 3, which you (or any member of your family included in your application) have received treatment and/or medication for, had symptoms of, asked advice on, or were aware of, during the three years immediately before your policy started. Once you have been a member for two consecutive years, you may be able to claim for treatment of pre-existing conditions and specified conditions as long as you have had a trouble-free period of two consecutive years for the pre-existing condition since you became a member. We define trouble free as when you: n have not had any medical opinion from a medical practitioner including GPs or specialists; n have not taken any medication (including over the counter drugs) or followed a special diet; n have not had any medical treatment; and n have not visited a clinical practitioner, complementary practitioner, optician or dentist; for the medical condition. Please understand that your policy will probably never cover pre-existing chronic conditions that are likely to continue to need regular or periodic treatment, medication or medical advice. This is because you will always need treatment, medication, tests or advice for them and therefore it is unlikely that you will be able to go for the period of two consecutive years without advice or medication. Those medical conditions are therefore completely excluded for all time. Of course, any new unexpected medical conditions arising after the start of your policy will be covered immediately subject to the terms of your policy. Important note We strongly advise you not to delay seeking medical advice and treatment for a pre-existing medical condition during the moratorium simply to obtain cover under your policy. The handy diagram overleaf can help you understand how this all works and the process we follow when we assess your claims. 5

6 How we assess your claims Was the medical condition a pre-existing condition when you joined? NO Is the medical condition a specified condition for a pre-existing condition? NO Your claim is eligible subject to the terms and conditions of the policy. Please call us so we can confirm if your treatment is eligible. YES YES Have you been a member on this plan for at least two consecutive years? NO Your medical condition is not eligible for treatment as you have not been a member for two years. YES Have you had a consecutive two-year trouble free period from the pre-existing condition since you joined? NO Your claim is not eligible. You must have a consecutive two-year trouble free period from the pre-existing condition since you joined. YES Your claim is eligible subject to the terms and conditions of the policy. Please call us so we can confirm if your treatment is eligible. 6

7 Full Medical Underwriting based on completing a medical history declaration If you choose this option, your answers to the questions in the medical history declaration on your application form will help us to understand your medical history (and that of any member of your family who you wish to insure). It is important that you consider the questions carefully for each person to be covered, and answer them fully. We will review the details and decide the basis on which we can accept you (and any members of your family) for cover. If necessary, we will ask your doctor for any further information we need to help us to do this. If you have a pre-existing medical condition that is likely to need treatment in the future, we will usually exclude it from cover. If your pre-existing condition is one of those specified in the table on page 3, any specified conditions shown will also be excluded. We will show any exclusions on the Membership Statement you receive from us when we have processed your application. (The same process will also apply for any members of your family included in your application if they choose Full Medical Underwriting.) If we exclude treatment for any pre-existing medical condition when your policy first starts, we will, in some cases, offer to review the exclusion in the future, if you wish. Usually, we will not remove an exclusion for a chronic condition as it is always likely to need regular or periodic treatment. Of course, any new medical conditions arising after the start of your policy will be covered immediately subject to the terms of your policy. Important note You must ensure that you provide full and accurate information in answer to the questions in the medical history declaration. Failure to do so may mean that we cannot cover a claim, or even that your policy is void. If you are unsure whether we would want to know a particular fact, we advise you to tell us about it. How the underwriting methods work Which underwriting option should I choose Moratorium or Full Medical Underwriting? You can choose the method that suits you best. In any event, your policy will only cover treatment of unexpected medical conditions arising after you join, but not preexisting medical conditions. 7

8 What if I suspect I am suffering from a condition (for example, I have a lump) but have not seen a doctor about it, nor received any firm diagnosis before my cover starts. Will I be covered if I need to have any investigations or treatment for the condition once my policy has started? You would not be covered with either Moratorium or Full Medical Underwriting for any treatment you would have to have because of the lump. This is because symptoms were evident when you took out the policy making it a pre-existing condition. I had an operation on my right knee recently. Will I be covered for any further treatment to it after my policy starts? During your first two years of continuous cover with us you would not be covered for any further treatment relating to your knee operation, or the condition for which it was performed. After that time provided you have been trouble free (see definition on page 5) for a consecutive two-year period related to your knee problem then you would be covered for any further eligible treatment. Some time after my cover starts, I go to my doctor for a routine visit. A heart condition is diagnosed that must have started to develop before my policy started. What is the position? You would be covered provided there were no symptoms evident by the time your policy commenced, and it is not a specified condition (shown in the table on page 3) or a pre-existing condition. How do regular checkups affect my cover? It depends what the checkups are for. For example: 1) If you have a medical condition before your policy starts and your doctor, or specialist, recommends that you continue to have checkups for that medical condition, then we will not cover the cost of private treatment received for that medical condition for a period of two years from the time your policy started. If the medical condition is one of those shown in the table on page 3, you would not be covered for the specified conditions shown either. Cover will only be available once you have been discharged from care and have no further treatment, medication or advice for a continuous period of two years. 2) In the same situation described above, if you choose to continue having checkups for your own peace of mind even though you have been discharged from care, we will cover you for that medical condition (though not the routine checkups) if you are trouble free for a continuous period of two years from your last checkup. 3) If you have general health checkups simply in the interests of maintaining good health, and not for any particular medical condition, we ignore them when applying the restrictions for treatment of pre-existing conditions. Note: We do not pay for checkups in any of the circumstances described above. 8

9 How we deal with chronic conditions What is a chronic condition? A chronic condition is a disease, illness or injury that has one or more of the following characteristics: n It needs ongoing or long-term monitoring through consultations, examinations, checkups, and/or tests n It needs ongoing or long-term control or relief of symptoms n It requires your rehabilitation or for you to be specially trained to cope with it n It continues indefinitely n It has no known cure n It comes back or is likely to come back. We cover the cost of treatment for acute conditions. That is, treatment which aims to return you to the state of health you were in before suffering the condition, or which leads to your full recovery. This includes short-term medical intervention to treat unexpected complications or exacerbations of a chronic condition. If your illness or medical condition requires recurring consultations over a long period, checks on your medication, long term therapy or treatment to ease symptoms, your condition may fall within the definition of a chronic condition. If you have been receiving ongoing or continuing treatment or treatment that is intended to manage your condition or keep your symptoms in check, we will review your treatment to assess whether it remains eligible for benefit. What does this mean in practice? For claims that have been authorised prior to treatment, we will tell you if we think your condition is now a chronic condition under our rules. We may then (with your permission) contact your specialist or GP who knows your particular circumstances. We may ask them to confirm to us the diagnosis of your condition, details of the treatment you are currently receiving and give us a future prognosis for the condition. In line with other medical insurance policies, our plans are designed to cover claims for expenses incurred as a result of unexpected events and we do not go on paying for recurring or continuing treatment of medical conditions that will continue indefinitely or keep recurring. Should the information we have indicate that you have a chronic condition we will write to tell you we will stop paying benefit for the continuing or recurrent treatment of the chronic condition. What if your condition gets worse? We will pay for the treatment of acute exacerbations or complications (flare-ups) in order to bring the condition quickly back to its controlled state, (for instance in-patient treatment needed to re-stabilise a chronic condition such as diabetes). 9

10 There are certain other chronic conditions such as Crohn s disease which, because of their nature, require management of recurrent episodes during which the symptoms of the condition worsen. Because of the ongoing or continuing nature of the condition, we will write to tell you when there is no further benefit available for the treatment of that medical condition. Examples of chronic conditions The following are examples of chronic conditions and how we usually deal with them. In all of the following examples we may need to write to you or your doctor to obtain further information, as explained above. Important note Certain plans have specific restrictions to benefits such as out-patient treatment, treatment that could have been received on the NHS within four weeks and other specific exclusions covered in your policy terms. The cover for cancer also varies by plan, with some plans having lower levels of cover than those described in this document. The examples below are designed to show our general policy on chronic conditions and how we would deal with them for a customer on a mid-range plan, e.g. Saga HealthPlan Saver Plus. Please read your Membership Handbook carefully to establish what cover you have, as all the other terms (including any limits) of your policy will continue to apply to your cover. Example 1 - Angina and heart disease Alan has been covered with Saga for many years. He develops chest pain and is referred by his GP to a specialist. He has a number of investigations and is diagnosed as suffering from angina. Alan is placed on medication to control his symptoms. We would pay for the initial consultation and tests to diagnose the condition and further consultations with the specialist to allow the medication to bring the condition under control. At this point we would advise Alan that further regular review consultations to monitor the condition would not be covered, but we would allow one further consultation to allow Alan to discuss alternative arrangements should he wish to do so. Two years later, Alan s chest pain recurs more severely and his specialist recommends that he has a heart bypass operation. We would confirm to Alan that we will cover that operation as it will stabilise his condition and substantially relieve his acute symptoms. We would then explain to Alan that, although his policy would not normally cover regular checkups, in this particular circumstance we would allow for a further ten years of annual postoperative checkups with the specialist to ensure that his condition remains stabilised. This benefit would only be available on policies with out-patient cover and while the policy remains in force. 10

11 Example 2 - Asthma Eve has been covered with Saga for five years when she develops breathing difficulties. Her GP refers her to a specialist who arranges for a number of tests. These reveal that Eve has asthma. Her specialist puts her on medication and recommends a follow-up consultation in three months to see if her condition has improved. At that consultation Eve states that her breathing has been much better, so the specialist suggests she has checkups every four months. We would agree to cover Eve s initial tests and consultation to establish the diagnosis and also the subsequent consultation to see if there was an improvement. However, we would then advise Eve that she is not covered for regular checkups. Eighteen months later, Eve has a bad asthma attack. We would agree to cover the cost of hospital treatment until her condition has been stabilised. We would also pay for one further consultation following discharge from hospital. Example 3 - Cancer Beverley has held a Saga policy for five years when she is diagnosed with breast cancer. Following discussion with her specialist she decides to have the breast removed, followed by breast reconstruction. Her specialist also recommends a course of radiotherapy and chemotherapy. In addition she is to have hormone therapy tablets for several years. Will her insurance cover this treatment plan and are there any limits to the cover? We would pay for the breast to be removed and initial reconstruction to restore appearance. In addition we would also pay for the course of radiotherapy and licensed chemotherapy aimed at bringing the condition into remission or cure. Hormone therapy tablets (such as Tamoxifen) are out-patient drugs and, in line with other out-patient drugs, are not covered by our policies. Cara has previously had breast cancer which was treated by lumpectomy, radiotherapy and chemotherapy under her existing policy. She now has a recurrence in her other breast and has decided to have a mastectomy, radiotherapy and chemotherapy. Will her insurance cover this and are there any limits to the cover? We would pay for treating the recurrence as described above. 11

12 Monica, who was previously treated for breast cancer under her existing Saga policy, has a recurrence which has unfortunately spread to other parts of the body. Her specialist has recommended the following treatment plan: n A course of six cycles of chemotherapy aimed at destroying cancer cells to be given over the next six months. n Monthly infusions of a drug to help protect the bones against pain and fracture. This infusion is to be given for as long as it is working (hopefully years). n Weekly infusions of a drug to suppress the growth of the cancer. These infusions are to be given for as long as they are working (hopefully years). Will her insurance cover this treatment plan and are there any limits to the cover? We would pay for the course of licensed chemotherapy aimed at bringing the condition into remission or cure. We would pay for the licensed drugs (e.g. Herceptin) to suppress the growth of the cancer. These chemotherapy treatments that are given for prolonged periods would not normally be covered but, in the case of cancer, we make an exception. Thus the use of such drugs will be covered for a period of time as described in your policy document or for the period of the drug s licence if this is shorter. Sharon would like to be admitted to a hospice for care aimed solely at relieving symptoms. Will her insurance cover this and are there any limits to the cover? Hospice care is provided by the NHS and charitable institutions at no cost to the patient and we would not therefore cover this. However, if you select our Extended Cancer Cover option, a donation of up to 2,000 is available. Example 4 - Diabetes Deirdre has been covered with Saga for two years when she develops symptoms that indicate she may have diabetes. Her GP refers her to an endocrinology specialist who organises a series of investigations to confirm the diagnosis, and she then starts on oral medication to control the diabetes. After several months of regular consultations and some adjustments made to her medication regime, the specialist confirms the condition is now well controlled and explains that he would like to see her every four months to review the condition. We would explain that we cannot continue to provide benefit for the review consultations, but would agree to provide benefit for one more consultation to allow Deirdre the opportunity to discuss alternative arrangements for follow up. 12

13 One year later, Deirdre s diabetes becomes unstable and her GP arranges for her to go into hospital for treatment. We would provide benefit for this admission and for a short period after her discharge. Example 5 - Hip pain Bob has been covered with Saga for three years when he develops hip pain. His GP refers him to an osteopath who treats him every other day for two weeks and then recommends that he return once a month for additional treatment to prevent a recurrence of his original symptoms. We would explain that the monthly visits are not covered by Bob s policy but that, if he should have further problems or if his condition should worsen to the point where a hip replacement is needed, this would be covered if his GP refers him to a suitable specialist. Please note that only certain policies cover complementary therapies such as osteopathy and you should check your Membership Handbook to see if this is the case. 13

14 Your rights as a patient Before we can assess your application, we may need to get a medical report from a doctor who has cared for you. The Access to Medical Reports Act (1988) gives you certain legal rights. These are: n We need your agreement before we can apply for a medical report from your doctor. You can refuse, but if you do, we will not be able to assess your application. n You can ask to see the report before your doctor sends it to us, or for up to six months after it has been sent. n If you have ticked the box on the medical history declaration form to indicate that you want to see the report, your doctor can charge a reasonable fee to cover costs of supplying a copy. n If you think any part of the report is incorrect or misleading when you see it, you can ask to have it changed. If your doctor will not agree to do this, you may attach a statement of your own. Your doctor is not obliged to let you see any part of a report if: n Your doctor believes it could seriously harm your physical or mental health, or that of others. n It indicates the doctor s intentions in respect of you. n It reveals information about another person, or the identity of someone who has given the doctor information about you (unless that person consents or is a health professional involved in caring for the patient). We will write and tell you when we have requested the report. If you asked to see the report before your doctor sends it to us, you will have 21 days to contact your doctor from the date of receipt of our letter. Once you have seen the report, your doctor needs your agreement to send it to us. If you don t arrange to see this report within 21 days, your doctor will be free to send it to us. 14

15 How we use your personal details AXA PPP healthcare Data Protection AXA PPP healthcare will use personal information to process claims, for underwriting and pricing purposes and to maintain management information for business analysis. AXA PPP healthcare may disclose personal information, under the protection of a contract, to Saga for the purposes listed below or service providers to administer the policy, or to those involved with your treatment or care. This may include another company based outside the European Economic Area. Claims correspondence will be addressed to the policyholder. If a family member does not wish us to correspond with the policyholder in relation to their claim, and they are aged 18 or over, they should take out a separate plan in their own name. To continuously improve our service to members, your calls may be recorded and monitored. If you wish to access your personal information please write to The Data Protection and Anti Financial Crime Manager, AXA PPP healthcare, PPP House, Vale Road, Tunbridge Wells, Kent TN1 1BJ, and ask for a Data Subject Access Form. Please note: there is a 10 charge for this service. Saga Data Protection Saga will keep your personal information securely and use it to provide the highest standard of service in the administration of this policy and other products that you hold with Saga, for underwriting and pricing purposes and in certain circumstances claims mediation and market research and to maintain management information for business analysis. Saga may share your personal information and your medical data with other Saga Group companies. By providing us with your personal data, including sensitive data and contact details, you consent to Saga Group using it for administrative purposes and to the Saga and Acromas groups of companies and their partners contacting you by post, telephone, , SMS or other electronic means, to inform you about any products and services which they consider to be of interest to you. We will do this unless you contact us or you make use of the regular opportunities that we provide you with, to confirm which channels and products you do and do not wish to use or hear about, or unless you tell us you prefer not to receive direct marketing. 15

16 Saga Health Insurance For more details on our cover, please call This leaflet is also available in large print, audio and Braille. If you require any of these formats please contact us on If you have a hearing or speech impairment, you can also contact us by ing Saga Services Limited has arranged for its health insurance to be underwritten by AXA PPP healthcare Limited, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. AXA PPP healthcare Limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No AXA PPP healthcare Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Saga Services Limited is a wholly owned subsidiary of Acromas Holdings Limited and is registered in England and Wales (Company No ). Registered Office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Authorised and regulated by the Financial Conduct Authority. CSL-HE0685 November 2013 PM/LE/UC/A5/n13

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